I have a Lenovo T490 laptop that is one generation behind the current T14. (Actually I have a T14 that I have not yet tested.
mem /v gives
Total physical memory: 16,236 MB
Accessible to system: 1,924 MB
On the same machine, running inside VirtualBox (host Ubuntu or Windows 11, makes no difference)
Total physical memory: 4,095 MB
Accessible to system: 3,583 MB
I predict the T14 has even less memory accessible to the system than the T490.